Insurance in mums name?

[Crazy Dazz]

Originally Posted by au3xr6

bear in mind if you get caught out doing this to get cheap insurance and your actions are deemed fraudulent by the insurance company both you and your mother will be un insurable for 5 years. if you make a claim on a policy they consider fraudulent they may refer the matter to the police resulting in criminal charges for you and your mother.

Originally Posted by KIWI-1

You may also need to disclose the fraudulent behaviour when applying for jobs, it will also appear on your National Police check.

Yes, and you will get genital warts, your balls will shrivel up, and your pecker will fall off.

[Crazy Dazz]

There is NO legal requirement for the car to be registered in your mother’s name, but it does make it simpler. It depends on the insurance company, but if you insure in joint names you may be able to take advantage of your Mum’s NCB. Beyond that, most insurers will base the premium on the YOUNGEST “regular driver,” so to save any money of the basic premium, your mum would have to omit telling the insurance company that you’re a regular driver. If there’s a claim whilst you’re driving, the insurer WILL look at that. If your mum has her won car, and you have no other car its starts to look very sus (and if the car is rego’d in your name even more so.) The insurer may decide to they don’t want to pay out.
The way some insurers cover this is with an ADDITIONAL “unnamed driver” excess. Which means she either puts you on the policy and pays, or in the event of a claim you’re out of pocket another grand on top of your basis and age excess.